News & Events

Merry Moola - Get a Low-Rate Holiday Loan

We offer low-rate holiday loans to make it easy for you to keep your high-rate credit cards in your wallet. Make all of their – and your – wishes come true this holiday season.

Borrow up to $2,500 at low-rate of only 3.99%APR for up to 12-months.

Apply online, stop by our branch, or call our Loan Department at 858-487-1880. (When applying online, mention "holiday loan" in the notes section.)

Hurry. This offer ends January 31, 2018.

APR=Annual Percentage Rate. Rate effective November 1, 2017 through January 31, 2018 and may change at any time without notice. Example monthly payment for a $1,000 loan amount for a 12-month term is only $85.14. Call the Credit Union at 858-487-1880 to learn if it has changed. Applicant must meet credit union membership and credit criteria to be eligible for this rate offer. Other restrictions may apply.


Skip A Payment Now Available for the Holiday Season

A simple way to free up some extra cash this holiday season. Choose your month to skip a payment on any qualifying North County Credit Union personal or auto loan. Then use the money any way you wish – purchase gifts, pay down other balances, or just treat yourself for a change!

Skip your upcoming November, December, January or February payment.* A low $50 Administration Fee applies. Interest will still accrue.

Simply complete and return our Skip-A-Payment application form and return it to us at our branch or fax it to 858-487-8840.

Questions? Please email us or call 858-487-1880.

*Skip-A-Payment Terms of Offer: Signature on form represents agreement with Terms of Offer. Skip-A-Payment option only available for fixed-rate Personal, Auto, and Auto Equity Loans. Skip-a-Pay defers one payment for the loan(s) checked on this form. Loan(s) must be in good standing. Loans less than one year old, or if modified with a payment extension over the past year, are not eligible for this offer. North County Credit Union reserves the right to refuse any skip-a-payment request. Interest will continue to accrue on the outstanding balance of the loan. Borrower continues responsibility for all outstanding principal and interest, and agrees to resume timely monthly payments following the skipped payment. Borrower’s pledge of security shall remain in effect until the loan is fully repaid, regardless of original maturity date. Any credit life and/or credit disability insurance on loan will not extend beyond the original maturity date of the loan.


Now Serving the Entire San Diego County

On April 18, 2017, the State of California's Department of Business Oversight (DBO) approved North County Credit Union's community charter expansion application. The approval means all individuals who live, regularly work or worship, or currently attend school in the entire San Diego County, California region, and their immediate family members, domestic partners or other individuals who reside in the same household, can become member-owners of our Credit Union.

Founded in 1953 as NCR Federal Credit Union to originally serve the financial needs of NCR’s employees and their family members, North County Credit Union received its first community charter status in 1986. The new charter expansion means North County Credit Union can now achieve its goal of growing its membership base beyond the north county area of San Diego County.

“This is great news,” North County Credit Union President and CEO Gary Sisk said. “We are now able to serve people we believe North County Credit Union has already been connected to for many years and provide low cost loans and valuable services to a larger community.  It also helps us remain a viable organization to give back to the communities we serve.”

Already a North County Credit Union member? Please help us spread the word and encourage others to join.

Not already a North County Credit Union member? Join today!

Shred It Days Upcoming Schedule

We offer free Shred It Days* the last Wednesday, Thursday and Friday of each month. Grab your old receipts, statements or other personal documents you want to get rid of and bring them by our branch. You can shred up to four boxes – free!* We’ll shred it. Please just remove all clips and metal fasteners beforehand.

Upcoming Shred It Days:

  • November - none scheduled
  • December - 27, 28, 29

Eliminate the paper hassle and protect yourself from identity theives. Consider enrolling in our Online Bill Pay and eStatement services.

*Up to four boxes of paper per person. North County Credit Union reserves the right to limit or refuse items to be shredded.

Our Current "Directions" Newsletter

Make sure you read our quarter newsletter, "Directions." Each issue highlights special promotions and provides helpful information to manage your finances. You must have Adobe's Acrobat Reader in order to view.
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